Our solution enables banks to successfully sell value-added products to their customers to remain relevant and increase their earnings. Customers leave extensive lifestyle traces through their account and credit card transactions. By analyzing these bank transactions with AI-based data analysis, decision-making patterns are derived. We use them specifically to connect these life events with our „beyond banking" offerings. Each value-added offer is geared to specific life events of the customer, comes at the right time and via the right communication channel. The usual high time and IT effort on the bank’s side to integrate such personalized, situationally appropriate value-added offers into its online banking is eliminated. Our SaaS plug & play white label solution enables the bank to make every product of each provider available to its customers within its online banking within a few hours, in the presentation freely definable by the bank and at also freely definable profit margins.